Consumers today have more choices than ever before when it comes to funding traditional long-term care services. While other funding vehicles may be good options for some people, a traditional LTCi policy continues to be the best option for many of your clients. Many current LTCi policy holders share...

Client’s today are looking for solutions with complete flexibility that solve multiple needs, for a number of different situations.  Often times, the client is searching for a “perfect” solution that guarantees a winning scenario in all circumstances. For those exceptionally competitive clients,...

A caregiver contract is when relatives are hired to take care of their disabled or aging family members.  It is usually drafted by an attorney and specifies the caregiver's duties and the length of contract (usually the elder's lifetime).  Caregiver payment can be made either in lump sums or installments. How...

Increasingly, people are recognizing the need for Long-Term Care (LTC) Insurance earlier in life. Since your clients may purchase a policy 20 to 30 years before they might need to use their benefits, it’s important to consider inflation protection when you design their Long-Term Care Insurance plan. Inflation...

One reason why you need to bring up the topic of Long-Term Care with your clients: family. Past history has shown us that parents who do not plan adequately for their long-term care needs ultimately end up sacrificing their income, assets and financial promises that they have made to pay for their...

Bringing up the subject of Long-Term Care (LTC) Insurance is not always easy, but changes may have happened in your clients’ lives that make this the year to talk about LTC. The annual financial review is a great time to discuss changes that may have occurred over the past year, and proactively plan...

The need for long-term care does not discriminate.  No matter what your income is, your marital status, or any other demographics that come into play – when you need long-term care, you need long-term care. Clients with families and children typically consider themselves to have a “default”...

If everybody knows referrals are a good way to find prospective clients, why does asking for them seem so hard? Many producers think a request for referrals will come across as imposing or rude.  But think of it this way: asking clients for names of people who are just like them actually can be considered...

November is Long-Term Care Awareness Month - a time to raise awareness about the importance of LTC Insurance, and how it impacts the financial future of millions of Americans. According to the LIFE Foundation, about 70% of people over the age of 65 will require some sort of Long-Term Care during their...

Getting your clients to talk about Long-Term Care (LTC) can be very challenging.  Many clients don’t believe that it will happen to them.  They are under the impression they will not be among the 70% of Americans who need LTC at some point in their life. So how do you get people interested and talking? ...